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Standard Chartered's subsidiaries operate on an independent basis, so the Uganda office would not have known about the payment instruction received by the London bank.

Meanwhile, its London office had treated the payment as cancelled as it hadn't received the funds. Here the story becomes somewhat vague, but Standard Chartered is adamant it sent the money straight back and has the paperwork to support this.

So, somewhere along the line, your money went into limbo and only emerged when it was eventually returned to Nationwide on January 26. You might ask why this letter is only appearing now. Well, I have been trying to get to the bottom of where the money was.

YOU HAVE YOUR SAY - DEATH TAX

Every week, Money Mail receives hundreds of letters.

Here are some on our story about the winners and losers from changes to death taxes

If the Government had its way, it would take everyone’s inheritance money and plough it back into the Treasury.

We are already on that slippery slope with a hike to probate fees on the way. The new £1 million inheritance tax threshold is a con.

No doubt the Government will introduce some other tax on inheritance soon.

C. B., Stevenage, Herts.

If I’m ever elected Prime Minister, I would write into law that all money earned in life that has been correctly taxed cannot be re-taxed upon death.

M. T., St Helens, Merseyside.

We have a two-tier system that discriminates against people who don’t have children. It’s disgraceful.

E. P., Spain.

For a long time, I have been trying to get justice for long-term, unmarried partners when it comes to inheritance tax.

We are treated like pariahs just because we chose not to sign a piece of paper to get married. Grossly unfair.

P. K., Norwich.

What about people who have put their dreams of having a family on hold to look after a relative? The rules discriminate against these people.

Nationwide says: 'As soon as our member made us aware of the issue, the third party acted to trace the funds.

'However, Nationwide is reliant on them to liaise with the intermediary banks. Unfortunately, there was a delay in recalling the funds.'

The good news is that Nationwide is offering you £100 compensation, which I suspect you will use to boost the charity donation. Standard Chartered says it is satisfied it acted correctly and promptly throughout.

I ordered tickets from Viagogo to see Porto vs Benfica on November 6. I confirmed that we needed the tickets by November 3 as we had to fly to the match in Portugal. But they were not delivered until November 4, by which time my two friends and I were airborne.

In addition, they were delivered to a neighbour's house by mistake. My wife tried to forward them and eventually provided the ticket details, but we were unable to convince the Porto ticket office to let us in.

We had to resort to touts to attend the football game. In all, including the €180 (£153) we paid Viagogo for the tickets, we spent €368 (£313) on the game.

We have contacted Viagogo asking for an explanation and compensation, but have heard nothing.

K. B., Gloucestershire.

In case you don't know, Viagogo is a ticket resale website — and you don't have to search very deeply on the internet to find scores of complaints.

But I like to give every firm a chance to resolve a problem and present its side of the story. As such, I have tried to extract a response out of Viagogo time and again. Yet it has made no attempt to sort out this issue. Nor has it given me any explanation.

I received a single email reply on February 2, at 5.38pm, from somebody called Caroline Green, who, according to her LinkedIn profile, has for the past three years worked in online reputation management. It said: 'Hi Tony, Thanks for sending this over. This will be reviewed ASAP. Kind regards, Caroline.'

Since then, I have emailed on numerous occasions and heard nothing. My phone attempts to get to someone who might speak to the Press and help to resolve your problem have got nowhere.

So I am printing your letter in the hope that someone — anyone — from Viagogo makes contact with me. I would be delighted to publish any response Viagogo has to your complaint.

But all I can confirm is that your tickets were delivered late and to the wrong address, you are several hundred pounds out of pocket — and Viagogo doesn't seem bothered.

STRAIGHT TO THE POINT

How much does it cost to call Citizens Advice on 03454 040 506? On the last two occasions I’ve had to wait on the line for up to 45 minutes.

H. B., by email.

Citizens Advice has apologised for the delays. Calls cost the same as ringing a regular landline number. How much this is depends on your provider.

Typically, you’ll pay around 12p per minute plus a set-up fee of roughly 20p when calling from a landline, and up to 55p per minute from a mobile. Calls are included in any free minutes you have.

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I’m 83 years old and paying BT £110 every quarter for my telephone. I don’t have broadband. This seems a lot.

R. B., Worthing, W. Sussex.

BT says you were previously on an Unlimited Evening & Weekend Calls package that cost £21.69 a month — £65 a quarter.

On top of this, you had to pay for any calls made during the day.

BT has now switched you to its Home Phone Saver 2019 deal costing £21.99 a month. This should save you the £10 a month or so you were spending on phone calls in the daytime.

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I had a mortgage with Abbey National Building Society which I paid off ten years ago.

The building society no longer exists but I believe I am owed compensation for mis-sold PPI on the loan. Who do I contact?